Checking

Regular Checking

You’ll love our Family Horizons regular checking account! Not only is it user-friendly, there are no monthly fees.

Upon qualification, and a $5 minimum deposit in your variable rate savings account, members may open and maintain a checking account with the following benefits:

No monthly service charges

No minimum checking account balance required

No “per check” charge

Overdraft protection (see Overdraft Regulation below)

Use of a VISA ATM/Debit card

To open your Checking account, click the “Become a Member” link on the left menu bar under Quick Links, or stop by a Family Horizons location today.

Overdraft Regulation

Federal regulation requires members to opt in or opt out of receiving overdraft services involving approving ATM and everyday debit card transactions, and assessing an overdraft fee.

Response Requested:
Family Horizons members must opt in to receive our Overdraft Privilege with your VISA ATM/Debit card. Please click here for the opt-in form. Click here to opt in online now. If you choose to opt out, you can access that form here.*

* By opting-out of ATM and debit card transactions overdraft coverage, you are NOT opting-out of Overdraft Privilege for checks, recurring online bill payments and ACH payments. Please contact us for more information on Overdraft Privilege or click here.

About the Reg E

Members may receive a benefit that is designed to help in the rare occasions when there are not sufficient funds in an account to approve a transaction. In those cases, we overdraw the account, creating an overdraft or a negative balance in the account. The regulatory change requires that in order to continue to receive this benefit, members will be required to opt in or agree to the terms and conditions of the overdraft service program for ATM and everyday debit card transactions.